Then you need to agree to the Terms and Conditions. You can do this the first time that you try to send or receive money. Open a conversation in Messages, tap , tap , review the Terms and Conditions, then tap Agree. You might be asked to verify your identity.

How to send money in Messages

Use the steps below to send money from any of your devices. Or watch the demo to see how it works.

iPhone or iPad

In Messages, start a new conversation or tap an existing one.

Tap, then tap .

To select an amount, tap or . To enter an exact amount, tap Show Keypad.

Ask Siri

You can also ask Siri on your iPhone or Apple Watch. Just say something like, "Apple Pay 25 dollars to Jane for movie tickets" or "Send 25 dollars to Jane."

Reply to a message or request

If someone sends you an Apple Pay request, tap Pay on the bubble to open Apple Pay with the amount pre-filled.

If someone sends you a message and the amount is underlined, you can tap it to open Apple Pay with the amount pre-filled. Or you can tap Apple Pay as a predictive text option in the keyboard.

Send money from Contacts

Open the Contacts app, tap a contact, then tap .

How payment methods are chosen

Your Apple Pay Cash balance is automatically used when you send money. If you don't have enough balance for the payment, the remainder will be funded by one of your credit or debit cards in Wallet. If you have no Apple Pay Cash balance, you can use a credit or debit card in Wallet for the entire payment amount. You can see which card is being used on the confirmation screen.

Here's how to change your payment method:

Tap next to your credit or debit card on the confirmation screen.

Choose a new credit or debit card. If the payment is split, you can see two cards on the payment sheet: your Apple Pay Cash card and the other card that you choose to fund the transaction.

If you choose a debit card or pay with your Apple Pay Cash balance, there’s no fee.

If you choose a credit card, there's a 3% credit card fee on the amount funded by the credit card.

How to request money from a friend

It's just as easy to request money as it is to send money. When the other person gets your request, they can tap Pay, then change or confirm the amount that they want to send. Here's how to send a request.

iPhone

Open a conversation in Messages.

Tap , then tap .

Choose an amount, then tap Request. If you want to, add a message to go with the request.

To send, tap .

Apple Watch

Ask Siri to send your friend a payment request or go to the Messages app. Say something like "Ask John for $14 for lunch." To send you money, the recipient can tap the dollar amount in the message.

The first time that you use Apple Pay Cash, you have seven days to accept the money that you have been sent. After you accept the terms and conditions, payments are automatically accepted and added to Apple Pay Cash.

Tap Manually Accept Payments. The next time someone sends you money, you'll see Accept in the message. You have seven days to accept the money.

To accept the payment, tap Accept in the message. Or go to your card info, tap the Transactions tab, and find the payment. Tap the payment, then tap Accept.

To reject the payment, go to your card info, tap the Transactions tab, and find the payment. Tap the payment, then tap Reject Payment.

How to cancel a payment

If you send money to someone who hasn't accepted the payment, you can cancel the payment. Here's how:

Open Messages and go to the payment. Or go to the payment in transaction history.

Tap the payment to see its details, then check the Status field.

Tap Cancel Payment. The Status field updates to say Canceled. If you don't see the option to cancel, then the person has already accepted the payment. Try asking the person to send money back to you instead.

If you reject or cancel a payment, the money will be refunded by the next business day depending on your bank or card issuer.

How to dispute a payment

To open a dispute for a transaction, contact us. Apple Pay person to person payments are just like any other private transaction between two people. If you sent money to the wrong person, try to cancel the payment or ask them to send the money back.